MetLife Advantages

MetLife Advantages

Support, Planning and Protection When You Need It Most

Life is full of surprises. You prepare for them as best as possible and the life insurance you have through the workplace is valuable protection — but your MetLife Basic Life and Supplemental Life coverage does even more than provide loved ones with security when the unexpected occurs. MetLife AdvantagesSM is a comprehensive suite of valuable services available with your coverage designed to help you, and those you love, deal with everyday challenges so you can live better now and in the future.

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Support

Comfort and Guidance for Challenging Times

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Planning

Professional and In-person Resources When It Matters

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Protection

Range of Solutions for Continuing Workplace Coverage

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  • Grief Counseling1 is provided with your Basic Life coverage and provides you, your dependents, and your beneficiaries with up to 5 confidential in-person or telephone counseling sessions and related concierge services per event to help cope with grief or mourning — no matter the circumstances — whether it’s a death, an illness or a divorce. Grief Counseling sessions and related services provide valuable, confidential and professional support during a difficult time to help address personal and funeral planning needs — at no extra cost. 1-888-319-7819 http://www.metlifegc.lifeworks.com (Username: metlifeassist; Password: support) Funeral Planning Guide: https://www.metlife.com/funeralplanning/funeral-guide/.
  • Delivering the Promise2 provides your beneficiaries with one-on-one assistance from local resources when they need it most, including help with filing claims and government benefits, locating support resources, and identifying any other important issues associated with the loss of a loved one.
  • Total Control Account3 helps your beneficiaries manage life insurance proceeds through a life settlement option that provides easy and immediate access to funds. 1-800-638-7283.
  • Face-to-Face Will Preparation Services5 is offered with Supplemental Life and provides access to an attorney to help you or your spouse/state-registered domestic partner create a will or living will, modify an existing will and create a power of attorney document. In addition, you may access an attorney as many times as you need to make updates to these documents. Reimbursement is also available for out-of-network attorneys with set fees. 1-800-821-6400.
  • Face-to-Face Estate Resolution Services5 is offered with Supplemental Life and provides your beneficiaries and executors/administrators access to face-to-face legal representation for probating your and your spouse’s/state-registered domestic partner's estates. Probate services include preparation of documents and representation at court proceedings needed to transfer the probate assets from the estate to the heirs, and completion of correspondence necessary to transfer non-probate assets. 1-800-821-6400.
  • WillsCenter.com6 offers an online document preparation service that can help you or your spouse/state-registered domestic partner prepare a will, living will, power of attorney and HIPAA authorization form. The site is available 24 hours a day, 7 days a week and requires a simple one-time registration. www.willscenter.com.
  • Coverage for employees and Leave Without Pay (LWOP) members
  • Services for workplace transitions
    • Portability7 provides the option to "port" or take your coverage with you if you become separated from or leave your company — a valuable feature in today’s ever changing world.
    • Transition Solutions8 offers insurance and other financial products and services to help you and your family better prepare for your future in response to benefit changing events.
  • Travel Assistance with ID Theft4 is provided with your Basic AD&D coverage and offers you and your family access to emergency services while traveling (domestically or internationally) plus the advantage of concierge assistance for personal and work-related travel and entertainment requests. Identity Theft Solutions is also available to help educate you on identity theft prevention and provide assistance that alleviates the stress victims of identity theft often face. Lastly, you also have access to Mobile Assist which provides information to help avoid expensive mobile telephone charges and help effectively use overseas options. www.metlife.com/travelassist.

1 Grief Counseling services are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Services are not available in all jurisdictions and are subject to regulatory approval. Not available on all policy forms.

2 MetLife administers the Delivering the Promise program, and has specially trained third party financial professionals to offer financial education. The financial professionals providing financial education are not affiliated with MetLife but are providing the program under a service provider contract.

3 Subject to state law, and/or group policyholder direction, the Total Control Account (TCA) is provided for all Life and AD&D benefits of $5,000 or more. The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assets backing TCA are maintained in MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk of the assets backing the TCA, and expects to receive a profit. Regardless of the investment experience of such assets, the interest credited to TCAs will never fall below the guaranteed minimum rate. Guarantees are subject to the financial strength and claims paying ability of MetLife.

4 Travel Assistance and Identity Theft Solutions services are administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by Certain Underwriters at Lloyd’s London (not incorporated) through Lloyd’s Illinois, Inc. Neither AXA Assistance USA Inc. nor the Lloyd’s entities are affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.

5 Will Preparation and Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/ or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters. 

6 WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. is not affiliated with MetLife and the WillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitable for your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters. WillsCenter.com is available to anyone with internet access regardless of affiliation with MetLife.

7 All coverage amounts are subject to applicable state laws. To take advantage of this benefit, coverage of at least $10,000 must be elected. 

8 MetLife administers the Transition Solutions program and has specially trained third party financial professionals to offer financial education. The financial professionals providing financial education are not affiliated with MetLife but are providing the program under a service provider contract.